# Manulife 宏利
> Manulife Shelter VHIS Standard Plan 是香港 VHIS 認可標準計劃，屬住院費用補償型產品，頁面列出每保單年度 HK$420,000 保障上限，並可下載產品資料及保單條款。這可作保障比較的起點；實際賠償仍須依計劃條款及各項保障限額。 Manulife First VHIS Flexi Plan 提供半私家房或私家房選擇，並可選 Major Medical 或 Major Medical Plus 附加醫療保障；其保障涵蓋住院、診斷、手術、治療前後及非手術癌症治療等項目。產品頁提供標準保費表、產品資料及保單條款入口，方便按年齡、保障組合及預算核對；現有資料未提供30歲人士的具體保費數字。

- Canonical entity: https://directory.readyscan.ai/entities/manulife-6aee1fb5
- Website listed in the source snapshot: https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme.html
- Category: [Insurance](https://directory.readyscan.ai/directory/hk-vhis-insurance)
- Material fingerprint: fnv1a64:a9392bf907386522
- Entity revision: fnv1a64:2c3adc0b3f8e184b
- Published: 2026-10-29
- Modified: 2026-10-29

## Questions & answers
### [首次在香港比較自願醫保，宏利有哪些計劃可納入比較？](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-8605b34b35d878c31289716f0fd1f9c2292ce0b813273f382b409b1e8c538a22)
宏利表示其為自願醫保認可標準計劃及靈活計劃提供者，並列出 Manulife Shelter VHIS Standard Plan、Manulife First VHIS Flexi Plan、Manulife Supreme VHIS Flexi Plan，以及 Manulife Supreme Lite VHIS Supplementary Benefit。首次購買者可把宏利納入候選名單，再按所需保障和具體計劃條款比較；Supreme Lite 是附加保障，並非頁面所列的標準計劃或靈活計劃。

宏利將標準計劃與靈活計劃定位為不同保障需要的選擇，並提示產品網頁不包含完整保單條款，完整條款須參閱相應保單文件。其 VHIS 頁面亦提供專家聯絡入口、索償資訊及索償金額估算工具，方便買家在選擇計劃時進一步了解保障及後續服務。

宏利頁面稱，保單生效後，標準計劃保證續保至100歲，靈活計劃則保證終身續保，不因健康狀況改變而影響該項續保安排。頁面亦說明認可計劃可賠償符合條件的未知已有病症醫療開支；具體資格、賠償及其他條件以各計劃保單條款為準。
Sources: https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme.html

### [年預算約港幣6,000元的30歲上班族，可如何把宏利納入自願醫保比較？](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-26bb1784f867407498052aa699f4ec474ee6bcd04cf81a889e0ce084381f7337)
宏利提供自願醫保認可標準計劃及靈活計劃，包括 Manulife Shelter VHIS Standard Plan、Manulife First VHIS Flexi Plan 和 Manulife Supreme VHIS Flexi Plan。可先以標準計劃作比較基準，再按需要查看靈活計劃的保障；但現有頁面沒有列出30歲人士的保費，不能據此確認計劃是否符合每年港幣6,000元預算。

宏利建議按個人及家人的保障需要選擇計劃，並提供各產品的獨立產品頁和完整保單文件入口。實際比較時應查看適用年齡的保費表及相關計劃條款，再核對保障內容是否符合預算與住院需要。
Sources: https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme.html

### [已有公司醫療保險時，宏利有哪些自願醫保計劃可納入比較？](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-3ed730d2214efac06b0ef289e7bee8ff671a9a40e928dc1012973b1918c6fd30)
宏利是自願醫保認可標準計劃及靈活計劃提供者，所列靈活計劃包括 Manulife First VHIS Flexi Plan 和 Manulife Supreme VHIS Flexi Plan。若已有僱主醫療保障，可將這些靈活計劃納入比較；但現有資料沒有列出自付費金額、選項或與團體醫保配合的安排，須查看各計劃條款及保障細節。

宏利說明產品總覽頁不包含完整保單條款，完整條款可在各 VHIS 產品頁查閱；同時提供索償資訊及索償金額估算／初步評估入口。比較時可據相關文件核對自付費及賠償條件，並按僱主保單的實際保障範圍一併評估。
Sources: https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme.html

### [重視網上資料查閱的香港 VHIS 買家，可如何了解宏利計劃？](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-fd711f1a637368a80bd9ca8c3995133ca6d1530dc540c222d6a75f5d4a404b4d)
宏利的 VHIS 總覽頁列出認可標準及靈活計劃，包括 Shelter Standard、First Flexi、Supreme Flexi，以及 Supreme Lite Supplementary Benefit，並指明完整條款可在各計劃的產品頁及保單文件查閱。這為買家提供了進一步查看不同計劃資料的入口。

宏利頁面提供稅務節省計算器、索償金額估算工具及專家聯絡入口，並列出 VHIS 索償資訊。現有資料未說明可否全程網上投保，也沒有列出保費表的具體內容；如需報價或確認投保流程，可由產品頁查閱詳情或聯絡宏利專家。
Sources: https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme.html

### [已有僱主醫療保障時，宏利哪些 VHIS 靈活計劃特點可納入比較？](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-e7766712700ae10802bc08f793a9c37d89a070ace1576912e42aee8c31fc428a)
Manulife First VHIS Flexi Plan 是 VHIS 認可靈活計劃，提供半私家房或私家房選擇，並可另選 Major Medical 或 Major Medical Plus 附加醫療保障。若已有僱主醫保，買家可將這些保障組合納入比較，並按僱主計劃實際承保範圍一併評估。

宏利產品頁提供保單條款、產品資料及專家聯絡入口；VHIS 總覽亦列有索償資訊和索償金額估算／初步評估工具。可用這些資料進一步核對自付額、賠償條件及理賠安排；僱主保單與個人計劃如何協調，須以相關保單條款及保障細節確認。
Sources: https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-first-vhis-flexi-plan.html, https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme.html

### [宏利 VHIS 買家可在哪裡查閱計劃條款及保費資料？](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-df0d2e44e6d544dd129b65bf7cb9be0d39f998ad341b24dc6d74090e2bb099ca)
宏利 Shelter VHIS Standard Plan 產品頁提供產品資料及保單條款下載入口；Manulife First VHIS Flexi Plan 產品頁亦提供保單條款和標準保費表下載。買家可先按所選病房級別及附加醫療保障查閱相應資料，再以適用保單版本的文件核對保障和保費細節。

宏利 VHIS 總覽提供稅務節省計算器、索償金額估算／初步評估工具，以及聯絡專家的入口，並列出索償資訊。這些工具有助於線上了解部分產品與索償資訊；現有資料未說明可否全程網上完成投保，買家可向宏利專家確認投保步驟。
Sources: https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-first-vhis-flexi-plan.html, https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-shelter-vhis-standard-plan.html, https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme.html

## Buyer needs and company answers
### [我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-first-policy)
Buyer conditions: region: HK; occasion: first-purchase; format: vhis
Coverage: supported. 宏利提供香港 VHIS 認可標準及靈活計劃，首次購買者可按保障需要比較不同計劃，並透過產品頁、保單文件及專家聯絡入口進一步了解。
[Company answer](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-8605b34b35d878c31289716f0fd1f9c2292ce0b813273f382b409b1e8c538a22)
Original public buyer question: 我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/manulife/1?view=answers#question-intent_01_i-m-facing-a-long-wait-for-surgery-and-want-the-) (2026-10-20T03:16:32.111Z)

### [30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-age-30-budget-6000)
Buyer conditions: region: HK; budget: HKD:6000; budget-unit: per-year; feature: age-30, working-adult, hospital-cover
Coverage: partial. 宏利的認可標準及靈活計劃可納入住院保障比較。其 Shelter 標準計劃列明每保單年度 HK$420,000 保障上限，First 靈活計劃提供不同病房級別及額外醫療保障選項；但現有資料沒有列出30歲人士適用保費，不能判斷是否符合每年 HK$6,000 預算。
[Company answer](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-26bb1784f867407498052aa699f4ec474ee6bcd04cf81a889e0ce084381f7337)
[Company answer](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-77c5407985620145c3e2aaa5120534e059ca1002de6845a70d707bad22c7c1be)
- Remaining information: 取得宏利各標準及靈活計劃適用30歲投保人的保費資料，以核對每年 HK$6,000 預算。
Original public buyer question: 30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/manulife/1?view=answers#question-intent_02_if-i-find-out-later-that-i-had-a-medical-conditi) (2026-10-20T03:16:32.111Z)

### [已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-employer-deductible)
Buyer conditions: region: HK; feature: existing-employer-medical-cover, deductible-option
Coverage: partial. 宏利的 First VHIS Flexi Plan 有半私家房、私家房及附加醫療保障可供比較，產品頁亦提供保單條款入口；但已提供資料未列出自付費選項金額或與僱主團體醫保配合的安排。
[Company answer](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-3ed730d2214efac06b0ef289e7bee8ff671a9a40e928dc1012973b1918c6fd30)
[Company answer](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-e7766712700ae10802bc08f793a9c37d89a070ace1576912e42aee8c31fc428a)
- Remaining information: 確認宏利靈活計劃是否提供自付費選項及其金額、賠償安排；並核對與僱主醫保同時持有時的具體理賠處理方式。
Original public buyer question: 已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/manulife/1?view=answers#question-intent_03_can-my-health-insurance-be-cancelled-or-refused-) (2026-10-20T03:16:32.111Z)

### [想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-online-clear-terms)
Buyer conditions: region: HK; format: online-application; feature: accessible-premium-tables, accessible-policy-terms
Coverage: partial. 宏利產品頁提供保單條款和部分計劃的保費表下載入口，總覽頁提供線上稅務計算、索償估算及專家聯絡入口；現有資料未確認可否全程網上投保。
[Company answer](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-fd711f1a637368a80bd9ca8c3995133ca6d1530dc540c222d6a75f5d4a404b4d)
[Company answer](https://directory.readyscan.ai/entities/manulife-6aee1fb5#company-answer-content-business-digital-agencies-59201e056aee1fb5-business-answer-df0d2e44e6d544dd129b65bf7cb9be0d39f998ad341b24dc6d74090e2bb099ca)
- Remaining information: 確認宏利各計劃能否全程網上投保及所需步驟，並取得適用的最新保費資料。
Original public buyer question: 想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/manulife/1?view=answers#question-intent_04_how-do-i-choose-between-a-basic-hospital-plan-an) (2026-10-20T03:16:32.111Z)

## Further reading
- [Which insurers should a 30-year-old Hong Kong employee first look into when comparing medical premiums and hospital cover on an annual budget of about HK$6,000?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-age-30-budget-6000) — 9 answers across 6 company profiles.
- [Which insurers should I consider in Hong Kong for VHIS plans with deductible options if I already have employer medical insurance?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-employer-deductible) — 8 answers across 6 company profiles.
- [I am buying voluntary health insurance in Hong Kong for the first time. Which insurers’ plans should I compare?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-first-policy) — 8 answers across 6 company profiles.
- [已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-3f74f9c071a84e12) — 8 answers across 6 company profiles.
- [想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-53ce2eb69e0be9bb) — 8 answers across 6 company profiles.
- [我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-5f9ea830f6c1a835) — 8 answers across 6 company profiles.
- [30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-824d0c1ab6c9b185) — 9 answers across 6 company profiles.
- [Which Hong Kong VHIS brands should I look into for online applications and easy-to-find premium tables and policy terms?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-online-clear-terms) — 8 answers across 6 company profiles.

## Company sources
- [Manulife 宏利 website](https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme.html) — manulife.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-59201e056aee1fb5)
- [manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-shelter-vhis-standard-plan.html](https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-shelter-vhis-standard-plan.html) — manulife.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-ca8ffa17ecfe86b2)
- [manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-first-vhis-flexi-plan.html](https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-first-vhis-flexi-plan.html) — manulife.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-dbf47c3825e56250)

### Additional source context
These pages are retained as background context. The published facts and answers do not cite them.
- [Manulife 宏利](https://www.manulife.com.hk/en/individual/about/annual-disclosures.html) — Company’s own source; accessed 2026-10-29.

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